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990 • Fiscal year 2017 • EIN 62-0787251

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 14, 2018

26 Century BlvdNashville, TN 37214

(615) 872-6380

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

60th percentile

0.88x

Higher debt load relative to assets than 60% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

27th percentile

15.16x

Higher debt load relative to revenue than 27% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

62nd percentile

9.6%

Higher net margin than 62% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

85th percentile

$102,968

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 9.6% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

83rd percentile

6.1%

Faster asset growth than 83% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

33rd percentile

1.6%

Faster revenue growth than 33% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Assets

Up

$18,561,890

Up $1,069,715 (+6.1%) from 2016

Net Assets

Up

$2,250,314

Up $103,213 (+4.8%) from 2016

Liabilities

Up

$16,311,576

Up $966,502 (+6.3%) from 2016

Revenue

Up

$1,075,679

Up $16,849 (+1.6%) from 2016

Expenses

Up

$972,466

Up $119,828 (+14%) from 2016

Net Income

Down

$103,213

Down $102,979 (-50%) from 2016

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $11,221,796Liabilities 2010: $9,649,877Net Assets 2010: $1,571,9192010Assets 2011: $9,830,212Liabilities 2011: $8,519,156Net Assets 2011: $1,311,0562011Assets 2012: $11,513,089Liabilities 2012: $10,145,299Net Assets 2012: $1,367,7902012Assets 2013: $13,021,010Liabilities 2013: $11,437,840Net Assets 2013: $1,583,1702013Assets 2014: $16,075,801Liabilities 2014: $14,288,336Net Assets 2014: $1,787,4652014Assets 2015: $17,873,364Liabilities 2015: $15,932,455Net Assets 2015: $1,940,9092015Assets 2016: $17,492,175Liabilities 2016: $15,345,074Net Assets 2016: $2,147,1012016Assets 2017: $18,561,890Liabilities 2017: $16,311,576Net Assets 2017: $2,250,3142017Assets 2018: $17,931,087Liabilities 2018: $15,529,101Net Assets 2018: $2,401,9862018Assets 2019: $17,709,445Liabilities 2019: $15,305,907Net Assets 2019: $2,403,5382019Assets 2020: $19,560,560Liabilities 2020: $17,195,033Net Assets 2020: $2,365,5272020Assets 2021: $23,226,032Liabilities 2021: $20,881,138Net Assets 2021: $2,344,8942021Assets 2022: $19,125,343Liabilities 2022: $16,763,671Net Assets 2022: $2,361,6722022Assets 2023: $17,316,460Liabilities 2023: $14,902,452Net Assets 2023: $2,414,0082023Assets 2024: $17,268,901Liabilities 2024: $14,816,571Net Assets 2024: $2,452,3302024

Highlighted filing

2017

Assets$18,561,890
Liabilities$16,311,576
Net Assets$2,250,314

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $754,8842010Expenses 2011: $854,6122011Expenses 2012: $670,8402012Revenue 2013: $887,317Expenses 2013: $671,936Net Income 2013: $215,3812013Revenue 2014: $924,813Expenses 2014: $720,518Net Income 2014: $204,2952014Revenue 2015: $950,229Expenses 2015: $686,397Net Income 2015: $263,8322015Revenue 2016: $1,058,830Expenses 2016: $852,638Net Income 2016: $206,1922016Revenue 2017: $1,075,679Expenses 2017: $972,466Net Income 2017: $103,2132017Revenue 2018: $1,108,533Expenses 2018: $956,861Net Income 2018: $151,6722018Revenue 2019: $1,058,641Expenses 2019: $1,030,089Net Income 2019: $28,5522019Revenue 2020: $925,911Expenses 2020: $973,343Net Income 2020: -$47,4322020Revenue 2021: $864,914Expenses 2021: $874,822Net Income 2021: -$9,9082021Revenue 2022: $870,827Expenses 2022: $854,049Net Income 2022: $16,7782022Revenue 2023: $1,075,284Expenses 2023: $1,022,948Net Income 2023: $52,3362023Revenue 2024: $1,125,798Expenses 2024: $1,087,476Net Income 2024: $38,3222024

Highlighted filing

2017

Revenue$1,075,679
Expenses$972,466
Net Income$103,213
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 14, 2018
Return Version
2017v2.2
Gross Receipts
$1,075,679
Mission and Program Overview

Mission

CREDIT UNION SERVICES

CU SERVICES

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,163,166$13,757,263▼ $405,903
Savings and Temporary Cash Investments$2,913,730$4,375,213▲ $1,461,483
Rtn Earn Endowment Incm Other Fnds$2,147,101$2,250,314▲ $103,213
Receivables From Officers Etc$9,288$59,897▲ $50,609
Cash and Non-Interest-Bearing Accounts$88,638$-74,543▼ $163,181
Total Assets$17,492,175$18,561,890▲ $1,069,715
Other Assets Total$317,353$444,060▲ $126,707
Liabilities
Other Liabilities$15,344,444$16,311,578▲ $967,134
Accounts Payable and Accrued Expenses$630$-2▼ $632
Total Liabilities$15,345,074$16,311,576▲ $966,502
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,147,101$2,250,314▲ $103,213
Total Liabilities and Net Assets / Fund Balance$17,492,175$18,561,890▲ $1,069,715

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$73,785--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Joe MenningerPresidentFT$102,968$102,968

Board Members and Trustees

NameTitle
James OdellChairman
Derrick CoginVice Chair
Brendan ThompsonAudit Liaison
Lynn BissingerSec
Bert MckeandTreas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$798,885
Investment Income
$25,222
Other Revenue
$251,572
Change in Net Assets
$103,213

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,075,679
Total Revenue per Audited Statements
$1,075,679
Total Revenue per Form 990
$1,075,679
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$529,957
Salaries, Compensation, and Employee Benefits$442,509
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$184,996$0$0$184,996
Other Salaries and Wages$178,808$0$0$178,808
Current Officers, Directors, Trustees, and Key Employees$166,565$0$0$166,565
Other Employee Benefits$97,136$0$0$97,136
Other Expenses$93,477$0$0$93,477
Depreciation Depletion$12,505$0$0$12,505
Total Functional Expenses$972,466$0$0$972,466

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$972,466
Total Expenses per Audited Statements$972,466
Total Expenses per Form 990$972,466
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$9,288$59,897▲ $50,609
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liab$16,277,907
Bk Up W/h$33,671
Visa Gift Cds/p-
Cdi/p-
M/c Pmts in Process-
Suspense Disputes-
On-line Atm Clrng-
Ach Rdc Clrng-
Sh Dr Clrng-
Member Deposits-
Gap Warr-
Mech Rpr-
Other Liabilities-
Accrd St Exam-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Willis Credit Union
EIN
62-0787251
Phone
6158726380
Address
26 CENTURY BLVD, NASHVILLE, TN 37214

Signing Officer

Name
James Odell
Title
Chairman
Phone
6158726380
Signed
2018-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Odell
Formed
1967
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
5

Preparer

Firm
Milton G Anderson CPA Pc
Address
3640A Central Pike, Hermitage, TN 37076
Preparer
Milton G Anderson CPA
Phone
6159426547
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

CU MBRSHIP

Pt VI, Line 7A

CU MBRSHIP

Pt VI, Line 11B

BOARD MEETINGS

Pt VI, Line 12C

BOARD MEETINGS

Pt VI, Line 15A

COMPENSATION COMMITTEE

Pt VI, Line 15B

COMPENSATION COMMITTEE

Raw XML Appendix399 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt033186
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt123362
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt23349
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0CREDIT CRD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4SIG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt010000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt15000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt237500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt328000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt45000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0JAMES ODELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1LYNN BISSINGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JOE MENNINGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3JOE MENNINGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4ADRIAN MUNIZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICIAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1OFFICIAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4ASST MGT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt059897
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CU MBRSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CU MBRSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt017492175
IRS990/TotalAssetsEOYAmt018561890
IRS990/TotalAssetsGrp/BOYAmt017492175
IRS990/TotalAssetsGrp/EOYAmt018561890
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0972466
IRS990/TotalFunctionalExpensesGrp/TotalAmt0972466
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015345074
IRS990/TotalLiabilitiesEOYAmt016311576
IRS990/TotalLiabilitiesGrp/BOYAmt015345074
IRS990/TotalLiabilitiesGrp/EOYAmt016311576
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02147101
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02250314
IRS990/TotalProgramServiceRevenueAmt0798885
IRS990/TotalReportableCompFromOrgAmt0102968
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01075679
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01075679
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017492175
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018561890
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt026 CENTURY BLVD STE 3
IRS990/USAddress/CityNm0NASHVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037214
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES ODELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum06158726380
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WILLIS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WILL
ReturnHeader/Filer/EIN0620787251
ReturnHeader/Filer/PhoneNum06158726380
ReturnHeader/Filer/USAddress/AddressLine1Txt026 CENTURY BLVD
ReturnHeader/Filer/USAddress/CityNm0NASHVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037214
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId00056FFBCCDDB597134E486DCDDC32BC2C509C779
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId093CCC744F08D31FF9F3F2DB467315F7182E00731
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.88.170.35
ReturnHeader/FilingSecurityInformation/IPDt02018-11-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm013:58:45
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MILTON G ANDERSON CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03640A Central Pike
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Hermitage
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd037076
ReturnHeader/PreparerPersonGrp/PhoneNum06159426547
ReturnHeader/PreparerPersonGrp/PreparationDt02018-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MILTON G ANDERSON CPA
ReturnHeader/ReturnTs02018-11-15T13:58:56-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$17.3$14.8$2.45$1.13$1.09$0.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.3$14.9$2.41$1.08$1.02$0.05
2022Detailed filing. Detailed filing data is available for this year.$19.1$16.8$2.36$0.87$0.85$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.2$20.9$2.34$0.86$0.87$0.01
2020Detailed filing. Detailed filing data is available for this year.$19.6$17.2$2.37$0.93$0.97$0.05
2019Detailed filing. Detailed filing data is available for this year.$17.7$15.3$2.40$1.06$1.03$0.03
2018Summary only. Only limited summary data is available for this year.$17.9$15.5$2.40$1.11$0.96$0.15
2017Detailed filing. Detailed filing data is available for this year.$18.6$16.3$2.25$1.08$0.97$0.10
2016Detailed filing. Detailed filing data is available for this year.$17.5$15.3$2.15$1.06$0.85$0.21
2015Detailed filing. Detailed filing data is available for this year.$17.9$15.9$1.94$0.95$0.69$0.26
2014Detailed filing. Detailed filing data is available for this year.$16.1$14.3$1.79$0.92$0.72$0.20
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.0$11.4$1.58$0.89$0.67$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$10.1$1.37$0.67
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.83$8.52$1.31$0.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$9.65$1.57$0.75